Nobody cared about a DSCR - if you could fog a mirror you were good to go!

All-in-One construction loan, too.WellsFargo 60% LTV Up to 5 properties.Workers Credit UnionMA 80-100%WSFSup to 70% on rentalZions Bank, UtahNO: TruistCredit Union of Texashttps://www.cutx.org/home-equity-loans/helocs WAFD, Frost, Trustmark"}" data-sheets-hyperlink="https://www.cutx.org/home-equity-loans/helocs" data-sheets-hyperlinkruns="{"1":6,"2":"https://www.cutx.org/home-equity-loans/helocs"}{"1":51}">TEXAS https://www.cutx.org/home-equity-loans/helocs WAFD, Frost, TrustmarkHigh primarynot investment, HELOC:Spring EQ 97.5% and fast, at 11 daysForeign nationalCivic 80% LTV for cash out. 5/1, 7/1 and 10/1 interest only ARMS. 1 to 2 year bridge loan.

The whole life insurance game is a lot of smoke and mirrors in my opinion with no real explanations on where your money goes.

I'm not a glamping expect, but it seems like that might be a harder niche in which to compete the further COVID gets in the rearview mirror. 

They also cause a lot more moisture in the air, fogging up the mirrors a lot faster, which is annoying to live with.  

It mirrors my success in my realtor business: My first clients were all friends, and from there my business grew to referrals, and today it's 95% referrals and repeat clients.

HOWEVER, my question is: given our goals/strategy, when analyzing returns for potential deals on the single-family rentals, along with a relatively low cash-on-cash return of roughly 1-2% should we allow ourselves to consider/count on 1) modest appreciation growth of only 3% year over year, 2) expense increases mirroring the current CPI of 3.5% and 3) low rental upside of only 1% (or even 0% given current market conditions).For example, if a deal gives a TOTAL return of roughly 15% year over year for 10 years but only starts out at about 1% cash flow via long-term rents, is this a good idea?

You could likely mirror the model in other markets that require transient workers such as traveling nurses or those working in the oil and construction fields. 

A 1% rent-to-value ratio seems like a pipe dream as properties are operating at half a percent or worse, mirroring markets like Hawaii and California.

High search volumes for terms like "luxury apartments Syracuse NY" and "new apartments Syracuse NY" mirror the interest in upscale living spaces, particularly evident in this zip code.